Ameriplan was founded by Dennis and Daniel Bloom in 1992 and has successfully established itself in the health insurance sales industry. When they first started out the brothers specialized solely in dental insurance.
The company, headquartered in Texas, now offers discount supplemental insurance for the following: vision, dental, and medical. They target the uninsured or underinsured citizens of America.
The company claims to be the premier Discount Medical Plan Organization. This kind of claim and the promise of not having to deal with products or inventory gets people to join as both customers and independent sales reps.
Products and Plans:
Their full range of services now covers:
- Physician medical care
- Ancillary medical services
- Hospital advocacy
AmeriPlan Dental Plus $24.95 per month - This plan covers your entire household and gives you access to 75,000 Dentists, 12,000 Optical Providers, 56,000 Pharmacy Locations and more than 7,500 Chiropractors at pre-negotiated discounted rates.
There is a $20 registration fee.
Dental (Oral Exams, Teeth Cleaning, Fillings And Crowns, Orthodontics and much more...)
Vision (includes Frames Direct, Ophthalmology Eye Exams, Frames, Lenses, Tints And More...)
Prescription Drugs(including Diabetic Supplies)
*Non Medical Benefits Include: Office Depot, Dell Computers, Sprint, JCP Portraits & Free Conference Calling, Ameriplan Cash Back Saver
MED Plus Membership $24.95 per month - Includes 56,000 Pharmacy Locations, 24/7 Access to Telemedicine that provides contact with board-certified doctors via phone or video. $20.00 Registration Fee
Telemedicine (24/7 Access to U.S. board-certified doctors & pediatricians by phone or email)
Bill Negotiator (helps save on current and prior medical bills)
Healthcare Navigator (access to skilled advisors to quickly deliver real time results)
Surgery Saver (gives members an advisor who will provide info regarding cost, quality, availability and physician privileges)
Prescription Drugs (including Diabetic Supplies)
Ancillary Services(includes MRI, CT Scans, Blood work and more... )
Ameriplan also offers a combo membership for $39.95 per month with a $30 registration fee.
Keep in mind that these plans are NOT Insurance or Medicare Prescription Drug Plans. Ameriplan plans offers you medical services at pre-negotiated discount rates, you are still responsible for paying all medical costs.
Prior to signing up you can search their network of partner providers to see if this will be a vialbe solution for you and your family.
Ameriplan Business Opportunity:
The company relies on a direct sales model to get their plans to the most vulnerable and underinsured members of society. The peer to peer business model allows them to reach these people providing them with more options for health care coverage.
Moreover as an independent benefits consultant you have the opportunity to grow a business while simultaneously helping people.
If you have any questions you can receive assistance by calling their phone number at 1-800-647-8421.
Some people say it's difficult to make money in the Ameriplan Business Opportunity because their network coverage areas isn’t as large some of the more established companies. This makes it difficult to recruit members since you can not guarantee they can receive health care with an Ameriplan discount plan.
In the past some benefit consultants have complainted that the company forced them into a monthly fee, however for that money you are also receiving your very own Ameriplan. This helps you in the sales process as you can honestly explain how the plan works and share your personal experience.
Competitors and Alternatives:
If you are looking to get into insurance sales through a direct sales opportunity the main competitor to Ameriplan would be Primerica.
If you are currently enrolled in an Ameriplan or have previously used one please leave an honest review below.
32 ‘Ameriplan’ Reviews
I currently work with Ameriplan and enjoy the use of their benefits. I have saved over $4,000 with their plan. I save money and make money. win win to me!
One comment I see over and over is that the company demands a lot of money from it's IBO's to sign up and continue working with the company. This simply isn't true.
I was personally burned by a "Mary Kay" experience, and was very reluctant when a friend came to me about AmeriPlan. It is true, there is a $20 ANNUAL fee for the web services, which includes your marketing sites, training, and connection to individuals in the company. That is very low fee to pay once a year for a business with an earning potential of $500-$1000 a WEEK. Because our business is based in internet marketing, these materials are essential tools.
It is also true that the company has an overhead fee of $50 a month- but what that money covers is your personal benefit plan you receive as an IBO. The benefit plan you receive is the same as that of a member that signs up for the same fee, $50 a month. They do this so that you can start receiving medical savings, so that you can better inform others of our services through personal experience.
I signed up with Ameriplan the other day. After reviewing all of the options, within a few hours I decided to opt out.
After I contacted their Texas office, I received a communication saying that my subscription was cancelled.
However, they have taken 19.95 out of my checking account when I told them specifically to cancel.
The next step is to put a stop payment on the transaction tomorrow and contact my Attorney's General office and file a complaint for negligence.
Please be advised, that this is not the only "work-at-home" site that is misleading. Just be careful as I will from now on.
If you want to work at home, my suggestion is to start your own little enterprise and forget the rest of these on-line deals.......
I responded to an online “job posting” and received a very slick automated reply. However, it went into some detail about the company's products and business model, which is generally not the case with other 'work at home' schemes I've looked into. I replied with a few questions, and received a prompt response which answered all my questions completely and without deceit. Here's what I learned:
Recruits are obliged to buy a $20 annual subscription to online company support. You are also required to cough up a monthly fee which will dictate the commissions received on member recruitment and product sales. That fee STARTS at $50/month.
While I applaud them for being straightforward and transparent, an employer should pay the employee – not the other way around. The other way around is about as sketchy as it gets. If you jump into this and get burned, it's your own fault.
I replied to a "job posting" on an online job board. Submitted an inquiry and received a very slick automated reply. I was nonetheless somewhat impressed with the level of detail provided about their products and business model, which is not generally the case with the other work from home schemes I've investigated. The email also included the name & contact info for the person trying to recruit me.
I emailed a reply with a number of questions. I received a prompt reply in which all my questions were answered - honestly and directly with no attempt to deceive. I turned them down because of their mandatory fees: a $20 annual subscription to online company support (which I could probably have lived with) and a monthly charge which determines the recruit's commission structure. That fee STARTS at $50/month.
While I applaud them for being so straightforward, anyone I work for needs to pay ME - not the other way around. The other way around seems sketchy to me.
I just signed up for the INTERVIEW so to speak... however, I am asking if they charge you any start up fees? If so how much and why are they charging fees?
As a person working for this company, I can honestly say that we're not as bad as some people like to say we are, and like every other company, we're not flawless. All we can do is offer our services, and it's perfectly okay if what we're offering doesn't appeal to you or help you.
As far as the no "cold calling" thing, we only call people who have expressed an interest in the company, whether it's for signing up for an insurance benefits program, or signing up as an IBO. We don't decide to randomly punch numbers into our phones and hope someone picks up so we can throw information at them. They come to us first and we just tell them about the company and let them decide if they'd like to take part.
I am very interested in more information about the company. I enjoy working and helping others in need. It sounds legit and promising to me. The ones who have negative feed backs are probably the lazy ones who put forth no effort in helping them selves as well as others. Someone with substantial knowledge and credibility with Ameriplan please contact me via email as I have a few questions. Thanks so much!